How Your Credit Score is Calculated

Have you ever wondered how credit bureaus come up with your credit (FICO) score?  Here is the breakdown of how it is calculated:

  1. Payment History: 35%
  2. Current Amounts Owed: 30%
  3. Length of Credit History: 15%
  4. Inquiries/New Debt: 10%
  5. Types of Credit: 10%

You can get your credit report for free at


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